Looking for a Used Car in Kansas City? Consider Buy Here Pay Here
As the experts talk about how good the economy looks, many options are opening up for those who need a used vehicle. You may have just gotten a new job and need a car for the first time or maybe you have bad credit and you are looking for a car or truck even when traditional financing lets you down. You might consider looking for a used car at Buy Here Pay Here auto dealers in Kansas City.
Some of the things you may need to consider when shopping around for a used vehicle are the initial cost, the monthly repayment, and the maintenance records on the cars and trucks that are available. Many Buy Here Pay Here lots in Kansas City have a large selection of vehicles. Need a four-wheel drive for those nasty winters? We have that. What about a sporty SUV to haul the kids around in? We have that too, and right here in Kansas City!
How is Buy Here Pay Here Different?
So how does Buy Here Pay Here work? It always helps to do some research first. It helps when making a decision about which vehicle to buy.
Buy Here Pay Here car dealerships were first made for people who had no credit or bad credit and needed a vehicle. Therefore, the first step is to find out your credit score. This will help you to know what vehicles are available to you. It will also help you with your bargaining power at the car lot, but know that Buy Here Pay Here dealerships are much less interested in your credit score than your ability to repay. Showing that you have a job or a guaranteed source of income is usually all you need. Your credit score may also help determine the interest rate you pay for your car or truck.
Once you decide what dealer to go with, you can either come down to the lot and fill out a loan application or immediately do it on our web page. Quick and simple is the name of the game.
When going with a Buy Here Pay Here lot, we act as the lender for your loan. Therefore, instead of going through a bank, the car dealer is the bank and you pay them directly. This is how you acquire your financing. Once you are approved for the loan, you will discuss with the auto dealer how long you will repay the loan for. Buy Here Pay Here loans usually last two to three years depending on the cost of the vehicle and how much you want to pay monthly.
A Speedy Process
An advantage to this type of auto dealer is how fast you can be in a new vehicle - typically within a few days. Consider doing your paperwork online with the dealer of your choice before ever stepping onto the lot and you can be driving something new the next day. In addition, most dealerships offer a 48-hour trade-in deal. What this means is that they are going to allow you 48 hours to drive the car or truck and decide if it’s the right one for you! No new dealership is going to offer that perk! With a new vehicle, once you drive it off the lot, it’s yours. Buy Here Pay Here can afford to give you a little bit of room on your decision-making.
Rebuild Your Credit
One pro to point out is that if you have bad credit, Buy Here Pay Here vehicles could be a good way to build that back up. BHPH car dealerships and lenders are going to be more sympathetic to credit card charge-offs and previous repossessions of vehicles than any other lender. We are in the business to help people and to make a little bit of money in the process. A dealer may check your credit or not, that’s up to the individual lender, but they do understand your circumstances and can help you get better credit. Consider this when looking to purchase a car. Using a Buy Here Pay Here lender can help you in two ways. One, you’ll get the vehicle you sorely need and two, you’ll get a better credit score!
Let’s talk quality of the vehicles here. Most Buy Here Pay Here dealerships are going to have any vehicle on the lot looked over. This usually includes a 180-point inspection for whatever car or truck you choose. This means the oil has been changed, the engine checked and the air conditioning tested. If there is a problem, you are going to know before you ever drive off the lot in the truck. Most dealerships also offer a powertrain warranty, meticulously reconditioned vehicles, free oil changes, short-term financing, and weekly, bi-weekly, or monthly payments. Your choice. Another perk Buy Here Pay Here dealerships often offer is a CarFax report. You are going to know if the car or truck you want has been in a previous accident or had engine work done on it, fast!
Buy Here Pay Here in Kansas and Missouri
Did you know the Buy Here Pay Here (BHPH) started in the 1970s financial crisis? It was a way for car dealerships to extend credit to people who could not afford a vehicle. There was high unemployment and the economy was changing at a rapid pace that most folks could not keep up with. This allowed car dealers to help people who were struggling while also maintaining their own businesses and cash flow. Many folks had started moving to the suburbs and needed a way to get to work.
Now it’s your turn! Need a way to get to work and build your credit back up? Consider a Buy Here Pay Here lender. They are here when you need them and make getting a new car easy. Just a few minutes spent on our site or down at the lot can improve your situation fast!